concession. these aren't easy issues -- in fact, they're very difficult issues, but they're moving towards an agreement. even though we're still 13 days away, that is a millennium in washington for situations like this. so there is lots of time. >> susie: let me pick up on a point that you made about the market view about economic growth is coming for next year and the year after. let's talk about that. because even if there is a deal, there are worries that that deal is going to be a drag on the economy, what with higher tax rates, the removal of the payroll tax cut, possibly. isn't that bad for the economy going forward? >> susie, you're right. there will be some fiscal drag, some contraction, as spending cuts occur, as taxes go up somewhat, and as certain tax cuts, like the payroll tax cut, expires.